Your career is going great, so why is your money such a mess?

Are you making a good salary but still looking at an empty bank account at the end of the month?

Are you stuck underearning, feeling like you would have enough if you could just get a raise?

Do you tell yourself, 'I'm just bad with money', or, 'Money just isn't my thing'?

Everyone you know seems to have the money to get away for the weekend, buy $200 jeans, go to barre class and buy a house...but how? You're still trying to build up your emergency fund.

Is this the year you've promised yourself you'll finally stop stressing about money? That you'll start saving, investing and learn to stop overspending once and for all?


All In

A year-long money intensive for ambitious women who want to transform their relationship with money and become the boss of their own financial lives.

ALL IN is a program that will transform your relationship with money and give you confidence in your ability to take ownership of your financial life - whether that's investing, deciding which debts to pay off first, buying a house or saying 'no' when your girlfriends pressure you into spending you really can't afford (ahem, $350 bridesmaids dress).

You earned every penny of your money and you should feel strong and confident in how you spend it!

I'm Stefanie O'Connell, personal finance author and founder of the site, a destination for women who want to feel as confident with their money as they do in their lives.

"A financial expert with a best friend's voice," according to The Greenwich Time.

as seen in:

"Stefanie dishes out the raw truth in a way that I can accept and act upon, rather than feeling defensive and defeated, with step by step processes to discovering workable solutions."

My road from money anxiety to the lifestyle of my dreams

While today I have the pleasure of living a lifestyle I absolutely love - running a business, working on my own time and terms, spending time with friends and family, and traveling the world - just 5 years ago, I had a very different reality.

I lived paycheck to paycheck for years

I was living in New York City on less than $500/week. Every paycheck was stretched to the penny.

Between my unpredictable income and unexpected expenses, I felt totally exposed, like my whole world might collapse at the slightest hint of financial trouble. Any bump in the road felt like it could totally wreck me.

I'd look at pictures of my friends on Facebook and Instagram - killing it at work, at home, in life. They were getting raises, buying houses, having kids, while I sat around thinking, 'I can't do that', 'That's not me', 'I'm just broke'.

Money was always the thing trapping me.

Making me work jobs I hated. Keeping me stuck in crappy living situations. Forcing me to say 'no' whenever I was invited to go on weekend trips or enjoy expensive brunches with friends.

I felt like no matter how hard I worked, I could never build up enough money to afford the things I really wanted - whether it was going to workout classes, trying new restaurants, attending destination weddings or chipping in for a co-worker's baby shower gift.

Then one day, I broke down sobbing in the dentist's chair

I had just been told that I needed a dental implant and it would cost $1,800. I didn't have $1,800. My checking account was empty. My savings account was empty. I was getting paid $14 an hour. I had no way to pay for the implant... except to put it on a credit card.

While handing over my card and wiping away my tears, I realized I couldn't live that way for another moment. I never wanted to feel that way again. Vulnerable. Embarrassed. Stressed. At the mercy of my money - or lack of it. I had to make a change.

I realized I was afraid to face my money situation

I was obsessing about money all the time - that I wasn't goot with it, that there was never enough... But I wasn't actually looking at my finances or spending time managing my money.

So I decided to learn everything I could about personal finance. I started tracking every dollar - every dollar that I earned and every dollar that I spent. I got clear on what was really important to me, and where I was spending money on things I didn't care about at the expense of things I did.

Taking control of my spending led to taking control of my earnings, then taking control of my savings, and finally, taking control of my life.

Does my story sound familiar?

Life has probably gotten in the way of your savings, debt pay off and money goals in the past too, right? It happens to the best of us.

So what's going to be different this year?

What's going to enable you to finally achieve the goals you SET?

Tips and tricks? Not so much.

Systems, accountability and support? Absolutely.

ALL IN is not about information. It's about...


If you could double the balance in your savings account, what would you do? Get your own place? Travel the world? Start your own business? Get a weekly massage?

Most personal finance experts say that saving money is all about deprivation - no lattes, no mani/pedis and certainly no avocado toast.

But here's the truth...

Saving money isn't about deprivation, it's about choices.

It's not about what you have to give up. It's about what you want to create.

How Hallie Paid Off $4500 in Credit Card Debt and Finally Started Saving with ALL IN

ALL IN will give you:

  • A proven framework for identifying and breaking the negative patterns and thoughts that are holding you back financially.
  • The clarity to decide what you need to do first - pay down debt, save or invest.
  • The tools to stop underearning. You'll get step-by-step instructions for increasing your earnings, getting a raise or negotiating a higher offer at a new job. Because it's not just about how much you can save, it's also about how much you earn.
  • Other women who are going through the same thing. As part of this program, you'll be joining the ALL IN community, a group of ambitious, honest and inspiring-as-hell women who have committed to taking charge of their money.
  • A strong financial foundation so you never feel forced to rely on your partner or your parents or anyone else for financial support.
  • This is not an extreme budgeting course. You won't be eating ramen or moving back home with your parents. Everything I teach is about balance, spending on what is important to you and cutting out the rest.
  • ALL of this PLUS me, your private guide, mentor and cheerleader over the course of your year-long breakthrough. You'll have direct access to me in our private Facebook group, during our monthly Q & A calls and 3 one-on-one coaching sessions.

I am not going to tell you to stop spending money on the things you like.

I am not going to tell you to save all of your money.

I'm going to give you the tools to create the financial life that is best for you.

"I was frozen by fear, apprehension, and perfectionism. Your course, your enthusiasm, and feedback has literally changed my life. I'm no longer paralyzed, I'm moving full-steam ahead and finishing all the unfinished business in my life."

Are you ready to say goodbye to the anxiety of an empty bank account?

Are you ALL IN on your financial future?




  • Lifetime Access to ALL IN
  • Private Facebook Group Access
  • Monthly Live Q & A with Stefanie




  • Lifetime Access to ALL IN
  • Private Facebook Group Access
  • Monthly Live Q & A with Stefanie
Save $167

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Like it or not, money matters

As much as we'd sometimes like to pretend it doesn't, or dismiss its value, the reality is that financial goals make life goals happen.

If you want to move out of your parent's house, you need the money for first and last month's rent (and the credit score to qualify).

If you want to leave a job you hate or feel stuck at, you need the cash and the confidence to support yourself when you make the leap.

If you want to be a champion for the causes you care about most deeply, you need the time and money to maximize your contributions and impact.

Whatever life goals you have, ALL IN is designed to give you the roadmap for getting them.

Because it's not just about the apartment, or the job, or you favorite causes, it's about having the flexibility to make those choices and the peace of mind that you're going to be ok when you do.

ALL IN is for you if you are tired of...

  • Feeling guilty about spending (and hate having to always say "I can't afford that").
  • Looking on Instagram and seeing your friends buy new houses and travel to exotic places and knowing you'll never be able to afford those luxuries.
  • Changing the subject or feeling embarrassed when people bring up investing, retirement or 401ks.
  • Lying awake at night wondering, "how am I gonna pay to go to that wedding?"
  • Wondering when you will have enough money that you can ditch the IKEA furniture, Trader Joe's wine, second-hand clothes and roommate, and finally uplevel your lifestyle.
  • Avoiding your credit card statements because you can't think about your debt wihtout having an anxiety attack.
  • Feeling like you can't make big life decisions like moving, living alone, starting a business, leaving your job or having kids based on your financial situation.

What's Inside ALL IN


Investing. Saving. Making More. We're all covering ALL of it. Rather than overwhelm you with information, we'll walk you through each of the financial breakthrough fundamentals one-step at a time, with short, easy-to-follow video trainings. You can revisit and reference past trainings at any time with lifetime access to our training library.


Every training video includes a worksheet so that you can get a hands-on understanding of the topic.


Get access to our monthly group coaching calls where you can ask me anything and get the inspiration and tactical support you need to overcome any roadblocks that come up while you work through your course material. All calls will be recorded if you can't make the call live.


You'll get an invite to our exclusive Facebook community of women who are equally committed to owning their financial independence. You can ask questions, share challenges and celebrate wins at any time.


Over the course of the year, you'll get three private coaching calls with me. Whatever you're struggling with - shame, underearning, confusion, anxiety about debt - I will provide you compassionate support and concrete next steps.

How it Works

Once you sign up for ALL IN, you'll get a welcome email from me within 24 hours, including information about how to setup your account and schedule your first private coaching call.

A few days before we dive into the course videos and assignments, you'll get an invite to our private Facebook group.

On the first day of each month, you'll get access to seven new training videos and seven new worksheets and assignments.

Halfway through each month, we'll have a group Q & A call where you can ask questions and get feedback on your successes and struggles.

What We'll Cover

Module 1: Your Money Mindset

Day 1: Your Money Story

Day 2: Your Money Backstory

Day 3: Money Beliefs In Action

Day 4: Your Money Mindset

Day 5: Reality Check Your Mindset

Day 6: Reverse Engineering Your Money Mindset

Day 7: Rewrite Your Money Story

Module 2: Setting and GETTING Your Money Goals

Day 1: Design Your Dream Life

Day 2: Turn Your Dreams Into Goals

Day 3: How to Set Strong $ Goals

Day 4: The Hierarchy of Financial Goals

Day 5: Reinforcing Your Money Goals

Day 6: Give Your Goals a Price Tag

Day 7: How to GET the Goals You SET

Module 3: Your $ Empire

Day 1: Own Your Net Worth

Day 2: The Psychology and Physiology of Debt

Day 3: How to Reduce Your Debt

Day 4: How to Pay Off Your Debt

Day 5: Credit - What It Is and Why It Matters

Day 6: How to Build, Improve and Maintain Your Credit

Day 7: Growing Your Empire

Module 4: Savvy Spending

Day 1: Where Is Your Money Going?

Day 2: See Your Spending

Day 3: Your Savvy Spending Benchmarks

Day 4: Your Expense Assessment

Day 5: Marrying Your Money Goals with Your Spending Plan

Day 6: Sticking To Your Spending Goals

Day 7: Your Savvy Spending Plan

Module 5: Your Money Map

Day 1: Where Does Your Money Live?

Day 2: Your Essential Money Map Markers

Day 3: Drafting Your Money Map

Day 4: Assessing Your Accounts

Day 5: Choosing The Right Accounts For Your Money

Day 6: Maximizing Your Money Map

Day 7: Matching Your Savings Goals to Your Money Map

Module 6: Saving Money

Day 1: How Much Are You Saving, Really?

Day 2: The Myth of the 10% Savings Rate

Day 3: Stopping the Cycle of Savings Sabotage

Day 4: Savings Strategies that Work

Day 5: Rethinking Your Savings Rate

Day 6: Brainstorming Big Changes

Day 7: Commit to Your New Savings Rate

Module 7: Investing

Day 1: What's Stopping You From Investing?

Day 2: The Cost of NOT Investing (And Why You Need to Start NOW)

Day 3: What Is Investing, Exactly?

Day 4: Investing: Retirement vs. Non-Retirement

Day 5: Investing In Two Words

Day 6: How to Choose Your Investments

Day 7: Your 10 Step Investing Action Plan

Module 8: Making More

Day 1: Why Making More Matters

Day 2: What's Stopping You From Making More?

Day 3: How to Start Making More

Day 4: Overcoming Your Earnings Objections

Day 5: How to Ask For More: Your Negotiation Playbook

Day 6: Do You Need a Side Hustle?

Day 7: Making More, With Meaning

Module 9: Love, Family and Friends

Day 1: Evaluate Your Social Circle

Day 2: Family and Financial Support

Day 3: Figure Out Your Financial Compatability

Day 4: Full Disclosure: What You Need to Know Before You Get Committed

Day 5: The Money Talks You Need to Have

Day 6: Maintaining a Healthy Money Dialogue

Day 7: How to Maintain Healthy Money Boundaries

Module 10: Sticking With It

Module 10 Introduction: Sticking With It

Day 1: Are You Having a Money Emergency?

Day 2: Funding Your Emergency Costs

Day 3: Your Money 911 Plan

Day 4: Financial Habit Hacks

Day 5: Consider the Costs of NOT Changing

Day 6: Celebrate Your Wins

Day 7: Your Money Story... Revisited

Do you want your financial reality to be the same in five years?

If you're like most of the women I work with, you've spent your entire adult life struggling with money. Not having enough of it, overspending it, feeling anxious and ashamed when you think about it.

That is no way to live.

You shouldn't be afraid to break up with someone because of how much it will cost you. Or unable to open your bills until you've had a big glass of wine. You shouldn't find yourself in a dentist's chair, sobbing because you can't pay for a dental implant.

You are the CFO of your own life. And it's time to take charge.

"The trainings have been super helpful. I had all this stuff in my head, but to actually write it out and look at it helped shift my mindset from KNOWING to internalizing and actually DOING. Now I've got one credit card paid off and I'm not tempted to even use the others. That's a big win for me!"

Are you ALL IN on your financial future?




  • Lifetime Access to ALL IN
  • Private Facebook Group Access
  • Monthly Live Q & A with Stefanie




  • Lifetime Access to ALL IN
  • Private Facebook Group Access
  • Monthly Live Q & A with Stefanie
Save $167

Need help ordering or have questions?

You Spend Hours Earning It, Why Don't You Spend Time Managing It?

Most of us spend more than 40 hours a week working to earn our money. But how many of us spend even just 40 minutes a week managing the money that we make?

The most important thing you can do for your money is spend time actually engaging with your finances. Tracking. Learning. Taking time to make thoughtful decisions.


Can't I just do this on my own?

Sure you can, but have you?

If we were good at making changes and sticking to them, we would all have amazing careers, fully-loaded 401ks and perfectly toned bodies.

ALL IN is for women who are tired of wishing for change and committed to getting RESULTS.

This course can save you from the overwhelm of figuring out what next steps you should be taking and the frustration of years of stalled progress.

ALL IN isn't just about telling you what to do, it's about showing you HOW - giving you focus by walking you through what you need to tackle FIRST so that you don't let your dreams of debt freedom, home ownership, retirement or anything else flutter away.

I'm here to help you stop putting that dream off for tomorrow (or next month, or next year), and start working toward it TODAY, with concrete, easy to follow action steps, in depth assignments, private coaching and a guarantee...

Is there a guarantee?

My guarantee is a total financial lifestyle breakthrough – life-changing systems for taking ownership of your money, feeling confident in your financial choices and making meaningful progress toward your goals so that you can build the lifestyle you really want.

Can I guarantee you’re going to triple your income, double your savings and 10x your investments in the next year? No, of course not.

If you want a ‘get rich quick’ guarantee, this is not the place for you. This is a place for women who are committed to changing their reality by doing the work, taking action and implementing the systems laid out in ALL IN to move toward their goals in meaningful ways that will continue to serve them for the rest of their lives.

I’m offering a 90-day money back guarantee, giving you a full 3 MONTHS to go through the first training modules, keep up with assignments, begin implementing the systems and start seeing meaningful changes.

I’m here to keep you accountable, so you better believe I will ;)

Who ALL IN is not for...

If you want a ‘get rich quick’ guarantee, this is not the place for you. This is a place for women who are committed to changing their financial reality by doing the work, taking action and implementing the systems laid out in ALL IN to move toward their goals in meaningful ways that will continue to serve them for the rest of their lives.

Can I join if I don't live in the US?

Absolutely. There will be some content that is specific to US investments and accounts, but most of the content will be applicable to you, regardless of where you live.

Do I have time for this?

Let me answer your question with a question: How many hours do you spend working each week? And how many hours do you spend managing the money that you make?

Now how much time do you spend worried or stressed about money?

If you’re being honest with yourself you’ll probably see that it’s not that you’re not spending time thinking about your money, it’s that you’re spending that time fearing, stressing and being anxious about it instead of owning it.

What if you could spend just 45 minutes a week to learn exactly what you need to be doing to maximize the money you spend most of your time working to earn?

That’s what I created in this course. And the content is yours to keep. So you can go at your own pace and go back to reference your course materials and lessons at any time.

For most of us, work is the bedrock of our day. 8 hours, minimum. That’s a THIRD of your time. Don’t tell me you’re ok with spending a third of your time earning something that you don’t want to maximize!

Because if you do, if you opt out or procrastinate or disengage from your financial life - the longer and harder you’re going to have to work to GET and KEEP more of your money.

Why work with me?

As a professional personal finance writer, I’ve worked with some of the biggest and some of the most innovative financial services companies out there, translating the jargon of the financial world into relatable and actionable advice to get readers and consumers REAL results (see more success stories below).

Author of the personal finance book The Broke and Beautiful Life, my work has also been featured in The Wall Street Journal, The New York Times, Forbes, SUCCESS magazine, US News & World Report, The Dr Oz Show, Fox & Friends and ABC World News.

Don’t just take it from me, take it from my students…

“I’ve made more financial tweaks in the last 6 months than in all my previous adult years.

This is what I love about your course - your guidance is specific but not rigid. That’s why it really works for me”.


“It’s like you’re my money therapist.

I think that you allow people to voice things that they’ve never said out loud before - even to their parents, their friends, their bank or their ‘real’ therapist. That’s huge.”

- Hallie

I can't wait to help you transform your relationship with your money, your future and yourself!




  • Lifetime Access to ALL IN
  • Private Facebook Group Access
  • Monthly Live Q & A with Stefanie




  • Lifetime Access to ALL IN
  • Private Facebook Group Access
  • Monthly Live Q & A with Stefanie
Save $167

Need help ordering or have questions?

Success Stories

See how ALL IN has helped other women

"One of my biggest hurdles was straightening out a dysfunctional relationship in my life that involved emotional and financial boundary issues. I dug deep inside and grew the courage to stand up for my needs as a separate grown woman, and after many difficult interactions, we managed to work through many of the issues, and we now have a vastly improved, boundary appropriate relationship.

I know life is always changing, but I finally feel like I’ve scaled some major hurdles this year and now have a financial routine that I can base my financial planning on."

"My credit score bumped up close to 750+ range, my mortgage shrank by $1K, and I managed to put $750 in savings - all in three months. This is mindset-blowing & life-altering for me!"

"My net worth has increased by 57%! My ROTH IRA increased by 8% on it’s own, my overall investments increased by 22%, AND I’m almost entirely debt free. Before I was struggling between having a buffer vs. paying off debt – now I have both!"